Mortgage Adviser in Chard
Whole-of-market mortgage advice in Chard and across Somerset: first-time buyers, home movers, remortgages and buy-to-let, explained clearly by phone and video.
Local Expertise
Chard is well linked to Yeovil, Taunton, and the Somerset Levels; many clients here want straightforward advice by phone and online that still taps the whole UK market for mortgages and pensions.
Independent financial advice in Chard covers mortgages, protection, pensions and investments.
I also support people in nearby areas such as Yeovil, Taunton, Crewkerne and Ilminster, all on the same phone- and video-first basis.
Working with a local adviser in Chard also means continuity, the same person through mortgage moves, protection reviews, pension changes, and investment decisions.
Based in Yeovil, I work with clients across Somerset, mostly by phone and online, including Chard and surrounding areas.
5★ average from 73+ public Google reviews, read verified feedback.
100%
Independent
100+
Lenders
10+
Years Experience
Buying your first home in Chard or nearby Somerset villages means balancing deposit size, lender affordability rules, and the right product for your timeline. I explain Agreement in Principle steps, government schemes where eligible, and how whole-of-market research can beat a single bank quote.
When your fixed rate ends or your circumstances change, remortgaging in Chard can reduce monthly payments or release equity for improvements. I compare retention deals with the wider market so you see whether staying with your lender is genuinely competitive.
Landlords and complex cases (self-employed income, contractors, or previous credit issues) need lenders who understand Somerset property types. As an independent mortgage adviser I search specialist panels as well as high-street names.
My Approach
Hi, I'm Michael Hawkins. I've been helping individuals and families across Chard and the wider Somerset area with their financial planning for years. As a completely independent FCA regulated financial Adviser, I offer whole of market access.
Why independence matters: Unlike restricted Advisers who can only recommend from a limited panel, I can search the entire UK market for the best product at the most competitive price.
I got tired of the old way of doing business, so I put years of experience into a system that makes life easier for both of us. Your client hub brings onboarding, factfinding, documents, messages, reminders, and reviews together in one place, while a practice engine behind the scenes keeps everything moving and cuts duplication and repetitive typing. Once you have tried it, going back to scattered emails and paper chasing rarely feels worth it. Pensions and investments follow the same hub model as mortgages and protection.
Learn more about my approach
Michael & Kiki
Chard, Somerset
Mortgage Solutions
Whole of market independent advice
Access to all UK lenders
First-time buyer support
Remortgage guidance
Buy-to-let mortgages
Mortgage protection advice
The Process
Free 30-minute introductory phone call
Mortgage criteria assessment
Whole market product research and comparison
Application support
Completion and beyond
Why Choose Me
Access to exclusive deals and competitive rates not available through restricted Advisers
The best product for your needs, not limited to what's on a panel
Recommendations based solely on what's best for you, not provider relationships
You'll always know why I'm recommending a particular product
Also Available in Chard
Quick answers
By phone and video, I normally start with a free 30-minute call. Your client hub keeps the journey clear from wherever you're based in Chard or the wider Somerset area, without logistics getting in the way.
Yes. I work across Somerset, Dorset and Devon, with Chard as one of the areas I support regularly. I also support people in nearby areas such as Yeovil, Taunton, Crewkerne and Ilminster, all on the same phone- and video-first basis.
Yes. I am FCA-regulated and whole of market; recommendations come from the full UK market, not a restricted lender or provider panel. I am based in Yeovil and serve Chard and surrounding Somerset areas.
Yes. Alongside purchases in Chard and Somerset, I arrange remortgages and buy-to-let cases with whole-of-market lender research. Self-employed and more complex income structures are common in the area and are handled with the same transparent process.
Fees depend on complexity and are explained upfront before you proceed. Many residential cases are helped from lender commission; any client fee is agreed in writing first. See my fees page for detail.
Yes. Self-employed and contractor income is common across Somerset. Whole-of-market research finds lenders comfortable with your accounts, tax calculations, or day-rate contracts.
I got tired of the old way of doing business, so I put years of experience into a system that makes life easier for both of us. Your client hub brings onboarding, factfinding, documents, messages, reminders, and reviews together in one place, while a practice engine behind the scenes keeps everything moving and cuts duplication and repetitive typing. Once you have tried it, going back to scattered emails and paper chasing rarely feels worth it. Pensions and investments follow the same hub model as mortgages and protection.
Testimonials
Below is a sample of feedback. There are also 73+ verified 5-star reviews on Google from clients across the South West.
“Expertise, honesty, and transparency was second to none! Michael took time to understand my financial standing, was very knowledgeable, and genuinely cared about my well-being.”
— Esther
“Michael gave me excellent advice on my upcoming remortgage. On time, polite and to the point. ”
— Mike Nicholson
“One phone call and Michael was quick to find me a mortgage. Quick to find me a mortgage due to rentals not accepting dogs. Highly recommend.”
— Aisha Venus
“Michael was extremely helpful with my remortgage, always responded to questions quickly and was very supportive during a very stressful time.”
— Laura Lancaster
Ready to start?
Start with a free 30-minute phone call, or message me to discuss your mortgage needs.
